| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $166K | $166K | 4.21% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | $37K | — | $37K | 7.83% |
| MEDICAL GROUP INSURANCE SERVICES3 | 10 WEST BROADWAY, SUITE 800 SALT LAKE CITY, UT 84101 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $195 | $195 | 0.04% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | DELTA DENTAL OF COLORADO | $12K | — | $12K | 2.98% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | EYEMED VISION CARE | $3K | — | $3K | 9.15% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 414 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 351 | $4.0M |
| Dental | DELTA DENTAL OF COLORADO | 852 | $403K |
| Vision | EYEMED VISION CARE | 571 | $29K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 415 | $473K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 415 | $473K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 415 | $473K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 351 | $4.0M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 415 | $473K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 852 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
No prospect flags tripped on this filing.